Amex Assurance Company Car Rental Loss and Damage Insurance The insurance coverage is a fraud, you will never get paid on your claim phoenix, Arizona

21st of Nov, 2011 by User644245

I have been an american express card holder since 1986. I rent cars every month. I decided to add American Express car rental loss and damage insurance to my card. American Express automatically charges $24.95 when you rent a car, and by the policy you are insured against all kinds of losses. A year ago, November 1, 2010 to be exact,.I was in Costa Rico, and my car was broken into and my personal items as well as my daughters were taken. I called the police and filled a report. I filed my first claim of loss ever with American Express under my insurance policy. I have been given the total run around by American Express ever since. They have changed adjusters on me three times. They have made me file and refile paper work such as receipts for proof of purchase, police reports, affidavids, sworn statements that I had no other insurance covering these items, etc. each time claiming they never received it. My total claim is $1500. It has been over a year. There latest email denied my claim stating that I hadn't shown proof of a breakin. I have mailed the police report twice to them, and have emailed it to them. I am now completely convinced that their insurance is a scam, and impossible to ever collect. They probably think the amount is too small for my to take them to court.

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3514 days ago by Parkers5

I also used their service and ended up paying above and beyond what they paid. Amex Assurance paid for physical damage only. The car rental company charged an administrative fee and diminishment of value. Both of those items are clearly stated in fine print that the insurance does not cover them. I'm ok with that since it was stated. However, it clearly states they WILL PAY loss of use. However, in the really fine print that I still haven't located, although I have been told it is there, if the rental car company does not provide proof of loss of value Amex Assurance will not pay it. Well, of course the rental car company did not provide the information. They stated it was not their responsibility and they did not have to by law. So don't believe the large print that says they cover loss of value, because THEY DO NOT! Definitely not a happy customer and am cancelling premium coverage.